Terms

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Vaultify Inc. ("Vaultify," "we," "us," or "our") regarding your use of the Vaultify platform and related services (collectively, the "Services").

By accessing, using, or registering for our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our Services.

IMPORTANT: These Terms contain provisions that limit our liability and require individual arbitration of disputes rather than class actions or jury trials.

2. Eligibility and Account Registration

2.1 Eligibility Requirements

To use our Services, you must:

Be at least 18 years of age
Have the legal capacity to enter into binding contracts
Not be prohibited from using our Services under applicable laws
Reside in a jurisdiction where our Services are legally available
Meet any additional eligibility criteria for specific Services

2.2 Account Registration

To access certain features, you must create an account by providing:

Accurate and complete personal information
Valid contact information
Verification documents as required by law
Compliance with our Know Your Customer (KYC) procedures

2.3 Account Security

You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Immediately notifying us of any unauthorized access
Using strong passwords and enabling two-factor authentication

3. Description of Services

3.1 Platform Services

Vaultify provides a blockchain-based token investment platform that enables users to:

Purchase and hold digital tokens
Access investment opportunities in vetted projects
Participate in token sales and distributions
Monitor portfolio performance and analytics
Engage with our community and governance features

3.2 Service Modifications

We reserve the right to:

Modify, suspend, or discontinue any aspect of our Services
Update features, functionality, and user interfaces
Implement new terms or conditions for specific Services
Restrict access to certain features or jurisdictions

3.3 Third-Party Services

Our platform may integrate with third-party services, including:

Payment processors and financial institutions
Blockchain networks and wallet providers
Identity verification and compliance services
Analytics and communication tools

4. User Obligations and Prohibited Conduct

4.1 Compliance with Laws

You agree to comply with all applicable laws, regulations, and industry standards, including:

Securities laws and regulations
Anti-money laundering (AML) requirements
Tax reporting and payment obligations
Data protection and privacy laws

4.2 Prohibited Activities

You may not use our Services to:

Engage in fraudulent, deceptive, or manipulative activities
Violate any applicable laws or regulations
Infringe on intellectual property rights
Transmit malicious code or conduct cyber attacks
Create multiple accounts or use false identities
Attempt to circumvent security measures
Engage in market manipulation or insider trading
Use our Services for money laundering or terrorist financing

4.3 Content Standards

Any content you submit must:

Be accurate, truthful, and not misleading
Not violate any third-party rights
Comply with our community guidelines
Not contain harmful or offensive material

5. Token Purchases and Investment Terms

5.1 Investment Nature

Token purchases through our platform constitute high-risk investments. You acknowledge that:

Token values may fluctuate significantly
You may lose some or all of your investment
Past performance does not guarantee future results
Regulatory changes may affect token value and utility

5.2 Purchase Process

Token purchases are subject to:

Successful completion of KYC/AML verification
Availability of tokens and platform capacity
Compliance with investment limits and restrictions
Payment of applicable fees and charges

5.3 Vesting and Lock-up Periods

Certain tokens may be subject to:

Vesting schedules that restrict immediate access
Lock-up periods preventing transfers or sales
Gradual release mechanisms over specified timeframes
Conditions precedent for full token distribution

5.4 No Refunds

All token purchases are final. We do not provide refunds except as required by applicable law or in cases of platform error.

6. Fees and Payments

6.1 Platform Fees

We may charge fees for various services, including:

Transaction fees for token purchases
Management fees for certain investment products
Withdrawal and transfer fees
Premium subscription fees for enhanced features

6.2 Fee Changes

We reserve the right to modify our fee structure with appropriate notice. Continued use of our Services after fee changes constitutes acceptance of the new fees.

6.3 Payment Methods

We accept payments through approved methods, including:

Cryptocurrency transfers
Bank transfers and wire payments
Credit and debit cards (where available)
Other payment methods as specified

6.4 Tax Responsibilities

You are solely responsible for determining and paying any applicable taxes on your transactions and investments.

7. Intellectual Property Rights

7.1 Our Rights

Vaultify owns all rights, title, and interest in:

The platform software and technology
Trademarks, logos, and brand elements
Content, documentation, and materials
Proprietary algorithms and methodologies

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to use our Services for their intended purpose, subject to these Terms.

7.3 User Content

By submitting content to our platform, you grant us a worldwide, royalty-free license to use, modify, and display such content in connection with our Services.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8.1 Data Collection

We collect and process personal information as necessary to:

Provide our Services and maintain your account
Comply with legal and regulatory requirements
Prevent fraud and ensure platform security
Improve our Services and user experience

8.2 Data Security

We implement industry-standard security measures to protect your information, but cannot guarantee absolute security.

9. Disclaimers and Limitations of Liability

9.1 Service Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. We disclaim all warranties, including:

Merchantability and fitness for a particular purpose
Non-infringement of third-party rights
Uninterrupted or error-free operation
Accuracy or completeness of information

9.2 Investment Disclaimers

We do not provide investment advice or recommendations. You acknowledge that:

All investment decisions are made at your own risk
We are not responsible for investment outcomes
You should consult with qualified professionals
Regulatory status of tokens may be uncertain

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR LIABILITY IS LIMITED TO THE AMOUNT YOU PAID FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM.

We are not liable for:

Indirect, incidental, or consequential damages
Loss of profits, data, or business opportunities
Third-party actions or blockchain network issues
Market volatility or investment losses

10. Indemnification

You agree to indemnify, defend, and hold harmless Vaultify and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your use of our Services
Violation of these Terms or applicable laws
Infringement of third-party rights
Your investment decisions and activities

11. Dispute Resolution

11.1 Binding Arbitration

DISPUTES WILL BE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN COURT PROCEEDINGS.

Arbitration terms:

Administered by the American Arbitration Association (AAA)
Conducted under AAA Commercial Arbitration Rules
Located in New York, New York
Decided by a single arbitrator

11.2 Class Action Waiver

YOU WAIVE THE RIGHT TO PARTICIPATE IN CLASS ACTIONS OR REPRESENTATIVE PROCEEDINGS. All disputes must be brought individually.

11.3 Exceptions

The following disputes may be brought in court:

Small claims court matters within jurisdictional limits
Intellectual property infringement claims
Requests for injunctive relief

12. Termination

12.1 Termination by You

You may terminate your account at any time by following our account closure procedures. Termination does not relieve you of obligations incurred prior to termination.

12.2 Termination by Us

We may suspend or terminate your account immediately if:

You violate these Terms or applicable laws
We suspect fraudulent or suspicious activity
Required by legal or regulatory authorities
You fail to complete required verification procedures

12.3 Effect of Termination

Upon termination:

Your access to Services will be discontinued
Outstanding obligations remain in effect
We may retain information as required by law
Certain provisions of these Terms survive termination

13. General Provisions

13.1 Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.

13.2 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

13.3 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms for specific Services, constitute the entire agreement between you and Vaultify.

13.4 Assignment

We may assign these Terms without your consent. You may not assign your rights or obligations without our written consent.

13.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

14. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated through:

Email notifications to your registered address
Prominent notices on our platform
In-app notifications

Continued use of our Services after changes constitutes acceptance of the modified Terms.